Ohio Security sues Utica, says auto policy must cover Queens injury claim

That, Ohio Security argues, settles the question. Its commercial general liability policy “expressly excludes coverage for bodily injury arising out of the ownership, maintenance or use of an auto,” the complaint states – and the policy defines “use” to include loading and unloading. The Utica policy, by contrast, covers Coastal “for liability arising out of the use of the Coastal delivery truck, including loading and unloading.”